A Black Man Â walks into a prestigious private bank in Mayfair and asks for aÂ loan fromthe Â loanÂ officer who politely tries to direct him to a more commercial establishment.
The Black Man Â says he's going to Jamaica on business for two weeks and to borrow Â Â£5,000.
The loan officer says the bank will need some kind of security for the loan, so the BlackÂ Man hands over the keys to a new Rolls Royce. The car is parked on the street inÂ front of the bank. He has all the papers including the titleand everythingÂ checked out. The bank agrees to accept the car as collateral for theÂ loan.
An employee of Â the bank thenproceeds to drive the Rolls into the bank's underground garage and parks it there. The news quickly spreads throughout the bank and over lunch, the bank's president and its officers all enjoy a good laugh at the dumb "Nigger's"Â expense for using a Â£250,000 Rolls as collateral against a Â£5,000 loan.
Two weeks Â later, the Black Man returns, repays the Â£5,000 and the interest, which comes to Â Â£20.41. The loan officer says, "Sir, we are very happy to have had your business, and this transaction has worked out very nicely, but we are a little Â puzzled. While you were away, we checked you out and found that you are a multimillionaire.
What puzzles Â us is, why would you bother to borrowÂ£5,000?"
The Black Man Â smiled and then replied; "Where else in Central London can I park my car for two weeks for only Â£20.41 and expect it to be there when IÂ return?".